u/Jaded-Trust-4906

I opened the Chime Credit Builder card thinking it was basically a debit card that helps build credit on the side. I deposit money into my Chime account and spend it with the card.

But now I see I have a $391 balance due and it looks like every month I have to pay Chime back for what I spent?

Am I misunderstanding this? Is it a regular credit card where I have to repay the full balance every month, or does it work differently?

I’m not trying to get out of paying — I just want to understand how it’s supposed to function. Appreciate any clear explanations.

u/Jaded-Trust-4906 — 21 days ago
▲ 1 r/CRedit

Yes I know I know this is bad and trust me I was laughing at myself for this and i’m giving y’all the ability to laugh as well. My credit score is 580. But in all seriousness, what can i to get this down ? Any easier methods :D ?

u/Jaded-Trust-4906 — 23 days ago

Quick question, I get paid tomorrow i'm trying to save this week paycheck and the week after paycheck. I want to do a particle payment tomorrow (Wednesday, April 29th) towards my car note which isn't due til May 5th on a Tuesday. I was going to pay the rest on May 6th which is a Wednesday. Is that okay for me to do as long as they're recieving the money, right?

On the app it lets me do customize pay amount and in generally let's me split the pay, like weekly i do $75, and biweekly it's $71. Will I be okay?

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u/Jaded-Trust-4906 — 24 days ago

Hi everyone, I’m 21 and have been dealing with anxiety + hypochondria for the past 2 years. I also experience frequent dissociation and emotional numbness.

A couple days ago I had what felt like a panic attack (first one in 2 years). While getting ready for work around 3am, I suddenly felt a “dropping” sensation, my heart started racing, and I thought I was going to pass out. No chest pain, no dizziness, no slurred speech, no vision issues — just the dropping feeling and racing heart. I went back inside, did my meditation, and eventually felt better, though some symptoms lingered.

Today it happened again after drinking coffee (throat tightness + dropping sensation), especially when I got in my car. While doing DoorDash my heart rate hit 100 bpm on my watch, but everything else felt physically fine. It later went back down to normal (68–74 bpm).

I’m now spiraling a bit, worried it might be heart-related even though I’m active and not short of breath.

Would you consider this a panic attack? Has anyone experienced something similar?

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u/Jaded-Trust-4906 — 25 days ago